I will also add that prior to the Gateway requirement being removed, all the guests we had last year entered with a letter from their US Insurer that they were covered internationally for medical care. It was always excepted without question. No mention of COVID, quarantine, or repatriation.

Personally, if someone asked at entry I would just show my US Health Insurance card and verbally state it covers me for international care. If you're someone who isn't willing to lose a deposit, you might consider general travel insurance. Deposit refunds were hit or miss in 2020 based on individual businesses and we don't know what's coming next.